Florida Health Insurance for Diabetics

Health Insurance for Diabetics If you are a diabetic, obtaining health insurance is a task with a degree of difficulty that ranges from simple to impossible, depending on what state you live in. If you are in a guaranteed issue state like New York or New Jersey, or live in a state that maintains a "pool" for uninsurable applicants, then obtaining a health insurance policy on your own is simple. However, if you live in Florida or most other states, health insurance is not guaranteed and you will have one hell of a time finding it. We can help We have a number of health insurance plans that will accept a diabetic. You do not have to go without coverage. Call now at 1-800-272-0512 for immediate quotes (9 AM to 9 PM Mon - Thur and until 5 PM on Friday)

Types of Health Insurance Plans

Group Health Insurance - If you are employed, or your spouse is employed, then you might be eligible to join a group health insurance plan. Group health insurance is guaranteed issue. This means that you cannot be denied full coverage. The downside is that if you are not the employee, it might be expensive to put you on the plan.

Private Health Insurance - Obtaining your own health insurance in a non-guaranteed issue state is very difficult. Most carriers (almost all carriers) do not want anything to do with you. You can tell them how well controllled you are, how you exercise and watch your diet and so forth. They do not care.

A few carriers will consider a well controlled, type II diabetic who controls their disease with diet, exercise and/or oral medication. They do not want to see you overweight or have other significant medical issues. If you live in Florida, Ohio or Texas, I can possible help you with such a plan.

If you are currently on insulin, overweight or certain other medical issues along with your diabetes, private health insurance in most states is not an option.

We can cover diabetics with a Major Medical plan in all 50 States

We have a group major medical health insurance plan with no medical questions. The only requirement is that you work at least 15 hours per week. It can be self employment.

Min Medical Health Plans

A traditional PPO health insurance plan would have a deductible and coinsurance and then cover $2 million to $5 million dollars of your medical expenses. More than enough to deal with just about any medical issue. There are no limits on your daily hospital bill or surgical costs.

A mini-medical plan has a doctor co-pay, prescription co-pay, covers hospital stays, etc. However, the plan has some specific limitation. It is not the same as major medical. However, it can provide for the medical needs of most individuals.

Stacking the Plans

With many individuals it is not a question of cost. Rather, it is a question of availability. I can often combine plans of this type so that you have a much higher benefit. The combined benefit will handle most hospital stays.

For full details on Guaranteed Health Insurance Plans for Diabetics, click here

Call now at 1-800-272-0512 for immediate quotes
(9 AM to 9 PM Mon - Thur and until 5 PM on Friday)